Infrastructure for autonomous commerce

Agentic payment rails for global B2B trade.

LIXone is bank-agnostic payment infrastructure for B2B trade. Verify a counterparty, secure credit cover, agree terms, finance an invoice, settle and reconcile — anywhere in the world, through one connection. Built for humans and agents alike.

Regulated by the Danish FSA · Bank- and insurer-agnostic
One connection
Global trade coverage.
The world's B2B trade — verified, insured, financed and settled on LIXone.
Four ways to trade · One platform
↔
Human to human
↔
Human to e-commerce
↔
Human to agent
↔
Agent to agent
Scroll · the rail becomes the world
One platform

Four ways to trade.

However the deal happens — between people, at a checkout, or between autonomous agents — it settles the same way: on one rail. Select a way to see how it works.

↔
Human to human
↔
Human to e-commerce
↔
Human to agent
↔
Agent to agent
01
Human to human
Most B2B trade still starts with people — a call, an email, a deal agreed between two companies. LIXone runs underneath the handshake: the counterparty is verified, cover is secured, terms are agreed, and the invoice is financed, settled and reconciled on one rail.
The friction today
Manual, deal-by-deal work spread across separate systems.
Traditional trade finance instruments — L/Cs, documentary collections — add cost and complexity.
Reconciliation stitched together by hand, every cycle.
The opportunity
One rail replaces the patchwork, from verification to settlement.
Modern cover and financing instead of L/C paperwork.
Payment reconciliation automated — 95%+ straight-through.
01
Human to human
Most B2B trade still starts with people — a call, an email, a deal agreed between two companies. LIXone runs underneath the handshake: the counterparty is verified, cover is secured, terms are agreed, and the invoice is financed, settled and reconciled on one rail.
The friction today
Manual, deal-by-deal work spread across separate systems.
Traditional trade finance instruments — L/Cs, documentary collections — add cost and complexity.
Reconciliation stitched together by hand, every cycle.
The opportunity
One rail replaces the patchwork, from verification to settlement.
Modern cover and financing instead of L/C paperwork.
Payment reconciliation automated — 95%+ straight-through.
02
Human to e-commerce
A buyer checks out on a B2B webshop or marketplace. LIXone brings the rail to the checkout: identity verified in seconds, credit decisions in real time, payment terms offered at the point of sale — while the seller still gets paid today.
The friction today
Business buyers expect to pay on terms — hard to offer at a checkout.
Is the buyer really who they claim to be? Impersonating a legitimate business is a classic fraud pattern.
No insurance cover on an unknown debtor — every first-time buyer is open exposure.
The opportunity
Buyer identification in seconds, across 289M+ businesses.
Real-time credit cover, even on first-time debtors.
Terms offered at checkout — while the seller is still paid today.
03
Human to agent
A person on one side, software on the other — a procurement team buying through a supplier's sales agent, or delegating the purchase to an agent of their own. The agent quotes, negotiates and executes on the rail, and never steps outside the policy its company set.
The friction today
Policies and SOPs live in documents agents can't read or follow.
No safe boundary for what an agent may agree, spend or sign.
Automation stalls at the exact point money has to move.
The opportunity
Encode policy once — agents trade strictly inside it.
SOPs become machine-readable guardrails on the rail.
End-to-end process automation, including the payment itself.
04
Agent to agent
Two agents discover each other, negotiate and close with no human in the loop. LIXone is the rail that makes this safe: both agents authenticate, every action is policy-bound, and the trade is verified, insured, financed and settled like any other.
The friction today
Everything from human-to-agent — now on both sides, with no human in the loop.
Counterparty agents must be authenticated, not just trusted.
No rails exist today that agents can safely call.
The opportunity
Mutual authentication and policy guarantees on both sides.
Trades verified, insured, financed and settled autonomously.
Commerce that runs continuously — at agent speed.
One trade, start to finish

Watch a trade settle on the rail.

A buyer wants one metric ton of HDPE granulate for €18,000. Here's everything LIXone runs underneath — from first contact to closed books.

Agent-to-agent · €18,000
01Buyer ID
02AML
03Fraud
04Insurance
05Terms
06Finance
07Reconcile
Step 01 / 07
Running check…

Buyer identification

289M+ businesses
Nordic Polymers A/S verified
Live trade thread
Buyer: Nordic Polymers A/S, Copenhagen.
Entity matched. Checking trading rules…
Seven steps. One rail. No plumbing to rebuild.
One trade, start to finish

Watch a trade settle on the rail.

A buyer wants one metric ton of HDPE granulate for €18,000. Here's everything LIXone runs underneath — from first contact to closed books.

Agent-to-agent · €18,000
Step 01 / 07

Buyer identification

289M+ businesses
Nordic Polymers A/S verified
Buyer: Nordic Polymers A/S, Copenhagen.
Entity matched. Checking trading rules…
Step 02 / 07

AML & sanctions

Adverse media screening: 11,000 individual sources
No hits — clear
Running sanctions, PEP and adverse-media screening.
No hits across 11,000 individual sources.
Step 03 / 07

Fraud prevention

Proprietary engine
Low risk — cleared to trade
Scoring invoice, buyer and payment signals.
Low risk. Cleared to open terms.
Step 04 / 07

Trade insurance

Real-time insurance cover
Cover approved up to €18,000
Requesting cover for €18,000.
Limit confirmed by insurer — €18,000.
Step 05 / 07

Payment terms

Real-time terms
90-day terms agreed at 1.8% p.a.
Standard payment terms are 30 days net. We can extend payment terms to 60 or 90 days for 1.8% p.a. in finance fee.
90 days, please — finance charge accepted.
Step 06 / 07

Trade finance

Bank-agnostic rails
Seller paid today
Purchasing the invoice on our own rails.
Seller paid today. Buyer keeps 90-day terms.
Step 07 / 07

Reconciliation

+95%
Retain control over the dunning procedures of your customers
Payment matched to invoice automatically.
Books closed.
Seven steps. One rail. No plumbing to rebuild.
The partnership model

We connect the institutions. You keep yours.

LIXone sits between banks, insurance providers and enterprise customers — and connects them into one rail. Your payment flows stay where they are. Your bank relationships stay yours. The rail plugs into both.

No change to your payment flow. No change to your bank relations.
Banks
LIXone
Insurers
Enterprises
Up to 100%
Advance of the invoice amount
Up to 100%
Debtor risk coverage
Automated
Payment & invoice reconciliation
Payment orchestration
LIXone never receives debtor payments — funds stay in the bank.
FX swap
Remove FX term risk with our invoice-level FX swap solution.
How to get started

Start where you are.

The four ways to trade are also a trajectory — most businesses move through them in order. Keep scrolling to walk the stages, and we'll show you what to focus on at each one.

Stage 01Human to human
Stage 02Human to e-commerce
Stage 03Human to agent
Stage 04Agent to agent
You are hereStage 01 · Human to human
Most B2B trade still begins with people — a call, an email, a deal agreed between two companies. You keep selling exactly as you do today; LIXone runs underneath the handshake. Every debtor is insured, every issued invoice becomes liquidity, and every incoming payment is matched automatically.
Focus now
Optimize your cash conversion cycle
Reduce commercial risk
Automate operations
Getting started · From first debtor to automated reconciliation
1
Analyze your debtors
Creditworthiness scored for every customer.
2
Map your trade
Understand how you trade with your clients — terms, volumes, currencies.
3
Insure the debtors
Trade credit insurance covering your debtors.
4
Get a financing offer
A financing partner finances or purchases the invoice.
5
Make the integrations
Connect your ERP, bank and sales channel.
6
Reconcile & dun
Automated reconciliation — dunning stays in your control.
Get guidance on your roadmapRead the progression manual →
How to get started

Start where you are.

The four ways to trade are also a trajectory — most businesses move through them in order. Find where you are today, and see what to focus on now and what takes you to the next stage.

01
Stage 01 / 04
Human to human
Most B2B trade still begins with people — a call, an email, a deal agreed between two companies. You keep selling exactly as you do today; LIXone runs underneath the handshake. Every debtor is insured, every issued invoice becomes liquidity, and every incoming payment is matched automatically.
Focus now
Optimize your cash conversion cycle
Reduce commercial risk
Automate operations
Getting started · From first debtor to automated reconciliation
1
Analyze your debtors
Creditworthiness scored for every customer.
2
Map your trade
Understand how you trade with your clients — terms, volumes, currencies.
3
Insure the debtors
Trade credit insurance covering your debtors.
4
Get a financing offer
A financing partner finances or purchases the invoice.
5
Make the integrations
Connect your ERP, bank and sales channel.
6
Reconcile & dun
Automated reconciliation — dunning stays in your control.
02
Stage 02 / 04
Human to e-commerce
Your sales channel moves online — and the checkout becomes your credit desk. LIXone verifies every business buyer at the moment of purchase, secures credit cover in real time, and lets you offer payment terms digitally while you are still paid today.
Focus now
Verify every buyer at checkout — across 289M+ businesses
Secure real-time credit cover on first-time debtors
Offer terms online while you are still paid today
The evolution of the web shop · From catalog to insured checkout
1Online catalog
·Browse the product range
·Place an order
·Request a quote
2Live pricing
Everything in 1, plus
+Real-time pricing
+Request payment now
3Warehouse-connected
Everything in 2, plus
+Live stock from the warehouse
+Checkout & pay immediately
4Live shipping
Everything in 3, plus
+Integrated with a known shipping agent or freight forwarder
+Live distribution & delivery status
LIXone
5Insured trade
Everything in 4, plus
+Identify & insure the debtor
+Offer payment terms & deferred payment
+Auto-reconcile
03
Stage 03 / 04
Human to agent
Moving from human to agent means many of the workflows on your side of the trade are run by agents. Everything your employees know about running the business — workflows, policies, product knowledge — needs to live in a format an agent can read, and the agents need a governed way into your systems.
Focus now
Catalog your workflows thoroughly in SOPs
Build a thorough policy setup and product knowledge base
Make what your employees know agent-readable
Plan how agents reach your systems — through MCPs
Building the RAG model / knowledge base · What the agents need from you
1
Write thorough SOPs
Catalog every workflow an agent will run.
2
Set policies & mandates
The limits and mandates your agents run with.
3
Describe your products
An advanced product catalog, so the agent can answer any question about the product.
4
Let the agent invoice
The agent identifies and insures the buyer autonomously — the e-commerce flow — and creates the invoice.
04
Stage 04 / 04
Agent to agent
The final stage: your side runs fully on agents — and the buyer is an agent too. Guardrails and thorough AML and fraud prevention make sure the buying agent operates within the mandate of its business. Legitimacy policies are created on both supplier and buyer side — and that is what LIXone safeguards.
Focus now
Guardrails plus AML & fraud prevention on every counterparty agent
Buying agents register on LIXone — certainty around the deal
Legitimacy policies on both sides, safeguarded by LIXone
How an agent worker is built · From intelligence to enterprise action
LLMBrain
Understands·Reasons·Plans
RAGKnowledge
SOPs·Policies·Product knowledge
AgentThe worker
Executes workflows·Decides·Communicates
MCPEnterprise access
LIX
Authenticate·Authorize·Connect·Execute
INSURANCELIX
CRM
BANKLIX
WAREHOUSE
PAYMENTSLIX
ERP
Why LIXone

One of a kind, by design.

A true bank-agnostic rail
Move money across institutions, borders and currencies through one connection — built once, not rebuilt per bank.
Regulated by the Danish FSA
Financial-supervision standard from the ground up, not bolted on after the fact.
Backed by institutions that matter
Partnerships with leading financial institutions and trade-credit insurers.
Agent-ready and policy-bound
The only rail built for autonomous trade — with fraud screening and policy guardrails so autonomy never means losing control.
Regulated by the Danish FSA
Backed by leading financial institutions & trade-credit insurers
PARTNER
PARTNER
INSURER
INSURER
Built for both sides of the trade

One rail. Both sides of the trade.

For banks & financial institutions
Extend your reach without rebuilding your stack.

LIXone is the rail your customers transact on — across markets you don't cover and counterparties you'd screen anyway — with every action inside policy.

For B2B sellers & platforms
Run your whole trade on one connection.

Verify buyers, secure cover, agree terms, finance invoices and reconcile payments — and get paid today instead of in 60 days, anywhere you trade.

Put your B2B trade on one rail.

See how LIXone moves money across global B2B trade — securely, bank-agnostic, and ready for agents.

Book a demoTalk to our team

The future of commerce is not software.
The future of commerce is autonomous execution.
LIX is the infrastructure that makes it possible.